We change every dispute reason, for every trade-line that we dispute on every round and we change the template monthly. We hand write the envelope sender address and We never say things like: "it doesn't belong to me, it's paid as agreed, it's not mine, it's in duplicate. Our processor are trained to look at a trade-line, understand what account type it is, and based on that account type challenge 2 or more pieces of data on that trade-line every month. Our Processors accomplish this by creating a technical factual dispute reason. ex. " it seems to me that the balance of this account and the last reported date could be incorrect, could you please investigate this and correct it or completely remove it from my credit report."